Jefferson Capital, Inc. (JCAP)
Nasdaq · Short-Term Business Credit Institutions · Finance, insurance and real estate · CIK 2046042 · fiscal year ends in Dec
Closing price $19.93 on 29 Oct 2026; 52-week range $15.52 to $24.00.
Key figures
The last twelve months reported, with the latest price and balance sheet.
- Revenue, last twelve months
- $659.6M
- Net income, last twelve months
- $155.0M
- Operating margin
- 45.8%
- Net margin
- 23.5%
- Return on equity
- 32.6%
- Market value
- $1.1B
- Price to earnings
- 6.4x
- Dividend yield
- 4.8%
- Cash
- $20.4M
- Debt
- $1.4B
- Debt to equity
- 2.95
- Shares outstanding
- 57.4M
Financial statements
Revenue, profit and cash flow by fiscal year, each year linked to its annual report.
| Fiscal year | Year end | Revenue | Operating income | Net income | EPS | Free cash flow | Filing |
|---|---|---|---|---|---|---|---|
| FY2025 | 31 Dec 2025 | $613.3M | $316.5M | $188.0M | $5.64 | – | 10-K filed 13 Mar 2026 |
| FY2024 | 31 Dec 2024 | $433.3M | $220.3M | $128.9M | – | – | 10-K filed 13 Mar 2026 |
| FY2023 | 31 Dec 2023 | $323.1M | $164.1M | $111.5M | – | – | 10-K filed 13 Mar 2026 |
By quarter
| Quarter | Quarter end | Revenue | Net income | EPS |
|---|---|---|---|---|
| Q2 FY2026 | 30 Jun 2026 | $177.5M | $41.3M | $0.67 |
| Q1 FY2026 | 31 Mar 2026 | $176.4M | $37.6M | $0.61 |
| Q4 FY2025 | 31 Dec 2025 | $154.8M | $37.7M | – |
| Q3 FY2025 | 30 Sep 2025 | $150.8M | $38.4M | $0.59 |
| Q2 FY2025 | 30 Jun 2025 | $152.7M | $47.7M | $16.76 |
| Q1 FY2025 | 31 Mar 2025 | $154.9M | $64.2M | – |
| Q3 FY2024 | 30 Sep 2024 | $110.6M | $36.9M | – |
| Q2 FY2024 | 30 Jun 2024 | $103.8M | $32.2M | – |
Revenue by segment
As the company reports it in the segment note of its annual report.
By business, FY2025
| Segment | Revenue | Share |
|---|---|---|
| United States | $450.3M | 73.4% |
| Canada | $71.8M | 11.7% |
| United Kingdom | $50.7M | 8.3% |
| Latin America | $40.4M | 6.6% |
Company events
The newest 8-K filings of 13 held.
| Filed | Form | Event | Items |
|---|---|---|---|
| 21 Aug 2026 | 8-K | Material agreement | 1.01, 9.01 |
| 18 Aug 2026 | 8-K | Other events | 8.01, 9.01 |
| 13 Aug 2026 | 8-K | Results | 2.02, 9.01 |
| 8 Jun 2026 | 8-K | Shareholder vote | 5.07 |
| 14 May 2026 | 8-K | Results | 2.02, 9.01 |
| 23 Apr 2026 | 8-K | Material agreement, New debt | 1.01, 2.03, 9.01 |
| 18 Mar 2026 | 8-K | Leadership change | 5.02 |
| 17 Mar 2026 | 8-K | Leadership change | 5.02 |
| 12 Mar 2026 | 8-K | Results | 2.02, 9.01 |
| 5 Dec 2025 | 8-K | Deal completed | 2.01, 9.01 |
| 13 Nov 2025 | 8-K | Results | 2.02, 9.01 |
| 29 Oct 2025 | 8-K | Material agreement, New debt | 1.01, 2.03 |
Every filing
The newest filings with the SEC of 49 held.
| Filed | Form | Period |
|---|---|---|
| 21 Aug 2026 | 8-K | 20 Aug 2026 |
| 18 Aug 2026 | 8-K | 18 Aug 2026 |
| 13 Aug 2026 | 10-Q | 30 Jun 2026 |
| 13 Aug 2026 | 8-K | 13 Aug 2026 |
| 17 Jul 2026 | EFFECT | – |
| 2 Jul 2026 | S-3 | – |
| 8 Jun 2026 | 8-K | 5 Jun 2026 |
| 14 May 2026 | 10-Q | 31 Mar 2026 |
| 14 May 2026 | 8-K | 14 May 2026 |
| 23 Apr 2026 | 8-K | 22 Apr 2026 |
| 21 Apr 2026 | DEFA14A | – |
| 21 Apr 2026 | DEF 14A | 5 Jun 2026 |
Insider trades
Form 4 trades by officers, directors and 10% owners, last 12 months.
| Traded | Insider | Type | Shares | Price | Value | Held after | Form 4 |
|---|---|---|---|---|---|---|---|
| 25 Aug 2026 | Person Penelope Joann, Chief Commercial Officer | Sale outside a trading plan | 246 | $22.04 | $5.4K | 437,265 | 26 Aug 2026 |
| 17 Aug 2026 | Zellmann Mark Joseph, President US Business Lines | Sale outside a trading plan | 56,000 | $23.75 | $1.3M | 637,747 | 19 Aug 2026 |
| 9 Jan 2026 | Burton David M., SEE REMARKS | Sale outside a trading plan | 385,000 | $20.50 | $7.9M | 3,392,500 | 14 Jan 2026 |
| 9 Jan 2026 | Jcf Iv Jcap Holding L.P., 10% owner | Sale outside a trading plan | 11,000,000 | $19.63 | $215.9M | 32,721,808 | 13 Jan 2026 |
Planned insider sales
Form 144 notices, filed when the sell order goes to the broker.
| Filed | Seller | Shares | Value | Planned sale |
|---|---|---|---|---|
| 25 Aug 2026 | Person Penelope JoAnn, Officer | 246 | $5.4K | 25 Aug 2026 |
| 17 Aug 2026 | Zellmann Mark Joseph, Officer | 56,000 | $1.3M | 17 Aug 2026 |
Large holders
Schedule 13D and 13G filings by holders of more than 5% of the voting shares.
| Filed | Holder | Schedule | Stake | Shares |
|---|---|---|---|---|
| 13 Aug 2026 | Wellington Management Group LLP | 13G amended | 4.2% | 2.3M |
| 15 May 2026 | Wellington Management Group LLP | 13G | 5.91% | 3.3M |
| 8 May 2026 | JCF IV JCAP Holding L.P. | 13G amended | 59.1% | 32.7M |
| 16 Jan 2026 | BURTON DAVID M. | 13G | 5.8% | 3.8M |
| 14 Nov 2025 | JCF IV JCAP Holding L.P. | 13G amended | 75% | 43.7M |
Short interest
Shares sold short and not yet bought back, on each FINRA settlement date.
| Settlement | Shares short | Change | Days to cover |
|---|---|---|---|
| 15 Oct 2026 | 1.1M | +26.12% | 4.15 |
| 30 Sep 2026 | 881.5K | -15.79% | 3.38 |
| 15 Sep 2026 | 1.0M | +6.95% | 4.78 |
| 31 Aug 2026 | 978.8K | -2.84% | 2.98 |
| 14 Aug 2026 | 1.0M | -17% | 2.04 |
| 31 Jul 2026 | 1.2M | +9% | 3.71 |
| 15 Jul 2026 | 1.1M | -5.62% | 4.33 |
| 30 Jun 2026 | 1.2M | +15.47% | 2.32 |
Funds that hold it
From each fund's latest Form 13F.
131 funds held it at 30 Jun 2026: 68 added and 22 trimmed in the quarter. The largest:
| Fund | Shares | Value | Change in the quarter |
|---|---|---|---|
| Wellington Management Group LLP | 2,321,550 | $45.2M | -949,416 |
| Adage Capital Partners GP, L.l.c. | 1,857,858 | $36.2M | +95,059 |
| William Blair Investment Management, LLC | 1,806,665 | $35.2M | +246,716 |
| Principal Financial Group Inc. | 1,710,435 | $33.3M | +173,381 |
| BlackRock, Inc. | 1,697,836 | $33.1M | +292,794 |
| Nantahala Capital Management, LLC | 1,500,000 | $29.2M | – |
| Punch & Associates Investment Management, Inc. | 1,446,818 | $28.2M | +330,933 |
| Goldman Sachs Group Inc. | 958,811 | $18.7M | -172,787 |
| Geode Capital Management, LLC | 790,883 | $15.4M | +99,666 |
| Vanguard Capital Management LLC | 752,389 | $14.6M | -304,409 |
Peers
Companies in the same industry.
- Encore Capital Group Inc. (ECPG): revenue $1.9B, market value $2.2B
- PRA Group Inc. (PRAA): revenue $1.3B, market value $754.5M
- Plumas Bancorp (PLBC): revenue $112.9M, market value $442.4M